Frequently asked questions about the Ajusto program

Program

Ajusto is a free and voluntary program. It uses telematics to help you save on your car insurance. Based on your driving habits, you could get savings on your car insurance premium! Your Ajusto data will ONLY be used to calculate additional savings for you.

No. The Ajusto program won't increase your insurance premium. But it can help you save on your auto insurance premium after the trip analysis period. When you renew your insurance policy, your premium will be calculated using standard insurance rules. Remember that there are a number of other factors that can impact your overall premium, including at-fault accidents or traffic convictions that may occur during the policy term.

At the end of the trip analysis period, you’ll find out if you’re eligible for a discount on your insurance premium. You’ll also see your driving results: number of trips, hours of driving, distance travelled and medals earned.

Yes, you can choose to continue getting feedback. Just bear in mind that once the trip analysis period is complete, your score and your discount won’t change. Future trips won’t be used to calculate a new discount, unless a new trip analysis is requested.

If you signed up for the Ajusto program after October 15, 2018, you need to complete the trip analysis period. This records your trips for 100 days1 and 1,000 km to get a realistic picture of your driving habits to calculate your final score. If you’re eligible for a discount, it will be applied immediately to your car insurance premium.

If you pay for your premium in one payment, you’ll receive your discount as a refund.

If you pay your premium through pre-authorized payments, your discount will be divided equally and applied to your remaining payments.

If you signed up for the Telematics program before October 15, 2018, the data collected in the 12 months before your insurance renewal will be used to calculate your discount. If you’re eligible for a discount, it will be applied when you renew your policy.

Ajusto analyzes your driving data to calculate a score which is converted into a discount:

If you signed up for the Ajusto program after October 15, 2018: once you’ve driven 1,000 kilometres and used the program for 100 days.

If you signed up for the Telematics program before October 15, 2018: once you have used the program for one year before your insurance renewal.

Ajusto analyzes the following:

Driving smoothness

Ajusto measures three factors: fast acceleration, hard braking and sharp cornering. We know that there are times when you need to accelerate fast to let an ambulance through or to brake hard to avoid an accident. So it’s good to know that your score isn’t based on one-off events. Instead it’s calculated on your driving profile as a whole.

Speed

Respecting the speed limit decreases the risk of an accident and helps improve road safety. That being said, the parameters of the app have been set to allow a small margin over the legal speed limit (between 10 and 15 km/h depending on the limit), without compromising the safety values Desjardins Insurance wants to promote with its Ajusto program. To maximize your score and, by extension your discount, drive at a safe speed!

Time of day travelled

The risk of an accident is higher at certain times of the day. For instance, driving at night is considered more risky than driving during the day because of driver fatigue and reduced visibility. The level of risk is associated with different times of day.

Distance travelled

The less you drive, the more you save. Shorter trips pay off because they increase your score!

Your score is updated after each day of driving. It’s based on a general picture of your driving, so a single event won’t have a direct impact on your score. We analyze the overall trends in your driving habits to calculate your score.

Medals are a great way to challenge yourself to be a better driver! Each medal has four levels of difficulty, so you can improve your driving at your own pace. When you earn a medal, simply tap it to claim it.

As an Ajusto user, you should make sure your phone’s battery is charged when you’re driving so the application can collect data. If the battery is too low, no data will be collected.

Most of the time, the app will automatically detect if you’re driving by analyzing your trip. However, if you weren’t driving and the application did not detect it, you can correct the trip information in the Ajusto dashboard.

Remember that the map doesn’t show every detail of a trip. It only identifies the most significant events.

Ajusto

The dashboard shows your score and trip summaries. If you weren’t driving and the app thinks you were, you can indicate that here.

If you signed up for the Ajusto program after October 15, 2018, the dashboard also updates you with the remaining number of days (out of 100) and kilometres (out of 1,000) to get to your final score.

Note that trips under 1 km will not appear in the app and will not be taken into account to calculate your score.

Trip summary

Tap any trip in your dashboard to see more details. You can view a map identifying the main events of the trip and use the legend to help you analyze it. Remember that the map doesn’t show every detail of a trip—only the most significant events.

Achievements

All trips are saved and then analyzed. This means there’s a short delay before the data is available. Depending on your Wi-Fi selection in your account settings, the data will be uploaded at the end of trip or when you enter a Wi-Fi zone.

At the end of the trip analysis period, you can choose to stop recording your trips.

The application uses a predictive model to determine if you’re driving. It’s also how we determine what mode of transportation you’re using. But if it turns out you weren’t the driver or you used a different mode of transportation than the one detected, you can easily change your trip information in the app.

Yes. The Ajusto section of the Desjardins Insurance Home-Auto app has an effect on the battery. The effect varies from one telephone model to another, but battery consumption is highest when the app uses the GPS. If your phone’s charge is too low, Ajusto will not start up or will stop collecting data if you’re driving, as we don’t want to drain your phone’s battery recording trips. We are actively working to reduce the effect of the Ajusto section of the app on your battery consumption.

Remember to make sure your phone is switched on and the battery is charged so that trip data can be collected.

Deleting the app from your phone won’t cancel your enrollment, because the collected data will be held in your file for a year.

If you want to stop using Ajusto and cancel your enrollment, first call your Desjardins Agent and they’ll remove the program from your auto insurance policy. You can then delete the app from your phone.

If you have to delete the app from your phone for another reason, simply download the app again and you can pick up where you left off.

Privacy

At Desjardins Insurance, respecting your privacy is an important part of our commitment to providing service excellence. We’re committed to protecting your privacy, and we understand that you may have concerns about how we use the collected data.

Your personal information is completely confidential. It will not be disclosed to third parties, except where required by law.

The Ajusto app only collects your name, date of birth, email and driving data. This information is used by Cambridge Mobile Telematics (CMT), a partner of Desjardins Insurance for the Ajusto program, to provide usage-based insurance services. CMT will not otherwise use personal information, or disclose or transfer personal information to any third party except if required by law.

The identifying information will only be used by us to link the data received by CMT to the enrolled driver(s) and vehicle(s) on the insurance policy.

The collected data will not be used to increase your premium during your current policy term, or to cancel your policy, or to refuse to renew your policy, or to increase your premium on renewal.

We will not sell or communicate the collected data to any third party except if required by law. We will not use the collected data to your prejudice regarding an insurance claim you have with us or in any claim that is brought against you.

Ajusto is underwritten by Desjardins Insurance which refers to Certas Home and Auto Insurance Company.

® Ajusto is a registered trademark of Desjardins General Insurance Inc., used with permission by Certas Home and Auto Insurance Company.

The discount does not apply to certain endorsements and additional coverages.

1 New subscribers who sign up after October 15, 2018 must travel at least 1,000 km during the mandatory 100-day for savings during the use period. For all applicable discount terms and conditions, whether you signed up before or after October 15, 2018, please refer to the Terms and Conditions in effect when you signed up for the Ajusto Program.

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Desjardins Insurance refers to Certas Home and Auto Insurance Company, underwriter of automobile and property insurance or Desjardins Financial Security Life Assurance Company, underwriter of life insurance and living benefits products.

Desjardins, Desjardins Insurance and related trademarks are trademarks of the Fédération des caisses Desjardins du Québec, used under licence.

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